How to Accept Money From Zelle
If you already have an account, you receive the money sent to you instantly; you’ll get a text or email notification when it happens. Learn how Zelle works for more information. You’ll need an account to accept money in your bank. Your bank might provide built-in support for Zelle. To find out, or to sign up if it doesn’t, start with the official app:
How to Request Money With Zelle
You can also receive money through Zelle by requesting it from one of your contacts. You must accept access to your phone so that the app can detect unusual login activity, but you can deny the prompt for your location details if you want. If your bank isn’t listed, choose Don’t See Your Bank? Then continue with these steps.
Using Zelle With Your Bank
You can check to see if your bank has built-in support for Zelle. That’s another way you can receive money, but the process is different for every bank. You might need first to tap Access Contacts if you see that button and then follow the prompt to let the app search through your contacts. Here’s a look at how it usually works, with Bank of America as our example:
Important Facts About Zelle
Some cards aren’t eligible, so if you’re getting an error during setup, make sure it’s not a business debit card, credit card, gift card, or prepaid card. You can’t use an international account or an account in a US territory like Guam or Puerto Rico.Similarly, you’ll receive an error if the other details you enter, like the ZIP code and address, don’t match your bank or credit union’s information on file for that card.There aren’t fees associated with Zelle itself, so you don’t have to worry about paying anything to receive money.If you don’t complete your Zelle profile (sign up and add your debit card) within 14 days, the money sent to you will expire, and the sender will be refunded.You can’t request more than the recipient is allowed to send. The person’s bank could impose the limit, but if they’re not using Zelle with their debit card and not through their bank, the weekly spend limit (and therefore, request limit) is $500.
